I am setting up the Digital Hub for the Bank to partner with Fintechs in the BFSI space. As a Business Strategy- Innovation, Scalability, Speed to Market and STP Customer Journeys will open up growth and profitability opportunities for the Bank, The role demands a collaborative approach to working with multiple Fintech partners concurrently and drive the organisation to adopt new customer expectations and customer journeys. While speed and accuracy and the ease of onboarding Fintech Partners will establish us as the preferred bank in the Fintech world - we have to ensure we keep our focus on getting the proper governance structure in place to ensure IT security, data controls, customer confidentiality and customer transparency in all our activities that we execute digitally with Fintech partners. Digital lending is the largest revenue generator in Banks. Yet, it still needs to be tapped due to the need to make virtual interactions with the customer a transparent and comprehensible process at all stages of the customer life cycle. The millennial customers in smaller towns and villages will choose service providers who can customise their products to meet specific customer needs of the region and preempt most of the requirements that a customer reaches out for. Using predictive and prescriptive analytics, mobile banking and social channels to engage with customers will be the key levers to carve out a niche position to succeed in the clouded banking arena.

Responsible for transforming the Bank to adopt digital channels ( internet and mobile banking) for customers and implement SMAC (social, mobile, analytics, cloud) to adopt a state of the art of core banking to set up a CustomerService Leadership position in the ASEAN region.

With the advent of the fourth industrial revolution, technology started reinventing the ways of business. In the capacity as a Chief Operating Officer, I helped Angel Broking Financial Services take advantage of the upside opportunities for innovation and growth. Reimagined the role of technology by successfully implementing Digital Transformation, Robotics Process Automation, Analytics, BOTS, Machine Learning, Business Process Engineering and API Systems Integration Services to establish Angel Broking Financial Services as the leading online retail domestic player in capital markets and wealth managementAchieved complete digital transformation of the brick and mortar based business-with full integration with digital eco system of India (IMPS, Aadhar, APIs & UPI), with one of the ‘Big Four’ accounting firm as the transformation consultants. All customer and business partner interactions migrated to a mobile app with majority customer interactions, being onlineI also established the fastest growing retail domestic business with a clear leadership in the roll out of SMAC (social, mobile, analytics & cloud) initiatives and digital transformation. Rolled out Oracle CRM using Chatbots, Machine Learning and NLP resulting in supporting growth in customer transaction and same day TAT, with existing staffing capacityAs a Chief Risk Officer, I led the effort to develop an enhanced risk appetite for the organisation – without losing controls. Took an integrated approach and an enterprise-wide perspective while setting-up a fraud prevention unit using predictive and prescriptive analytics to mitigate information technology, regulatory and business partner risks. Adapted to a risk environment and risk profile that was changing faster and more intensively than ever. While transforming to a digital future, I saved 600 job positions (total 800 staff) by implementing cognitive Robotics Process Automation using Automation Anywhere, in 2008 – a first in Capital Markets in India

Specialities: Strategic Planning | Digital transformation | Business Growth | Profitability | Risk Management | Organization Structure | Customer Experience | Employee Development | Regulatory RelationshipsProjects Handled:~ Digital Transformation: Established the fastest growing full service retail domestic business with a clear leadership in the roll out of SMAC (social, mobile, analytics, and cloud) initiatives and digital transformation.~ Implementation of RPA- a first in Capital Markets in India.~ Set-up fraud prevention unit using predictive and prescriptive analytics to mitigate information technology, regulatory and business partner risks.~ Set up real time Data Visualisation dashboards across the organisation

I was associated with Standard Chartered Bank for over 9 years. Implemented core banking solutions across all banking verticals in the bank incorporating the best global market practices across 35 countries. Also, implemented ISO certification for all operating units of Transaction Banking in India. Standard Chartered Bank, which is one of the largest MNC Bank in India and South Asia was seeking end-to-end cash management solutions that can better manage pools of liquidity in multiple regions. As a Director, I designed an integrated cash management, securities services and fund accounting in partnership with J P Morgan Chase resulting in 14 new mutual fund mandates in India. I have developed solid reputation for building an engaged winning team motivated to challenge status quo and push innovation. Sustaining a high safety performance reputation, maintaining quality standards, and minimizing corporate costs and liability have been a consistent result of my professional commitment. While wearing the cap of Director, I have always strived to build an organization that is respected by customers, employees and regulators. My continuous efforts led to the achievement of multi-million dollars annual targets (USD 200 million) for Transaction Banking in South Asia; even went beyond the normal and over achieved it by a favourable percentage.

In this capacity, I achieved complete business process re-engineering of the entire Bank with LoBue Consultants (Financial Services Reengineering), New Jersey. In lieu of the changing dynamics of banking and business environment, I re-engineered the Bank to meet the emerging challenges of bank consolidation, operating cost containment, improvement of customer service and increase revenue. Also, re-mapped the 4Ps- People, Premises, Process and Product to establish the Bank of the Future. Designed and rolled out core banking in India with ANZ Melbourne with setting up of a captive BPO in Chennai for the Bank and focused Sales and Service Units across 65 locations in India. For demonstrating outstanding contribution to productivity enhancement, I was accredited with the CEO excellence award.